It’s almost the 4th of July, and if you live anywhere near Memphis, you already know the fireworks will start around the end of June and last until someone runs out of bottle rockets—or the police show up.
Before the festivities kick off, here are a few helpful reminders to keep your home, your guests, and your insurance coverage safe and sound.
💥 1. Check your city or county’s fireworks rules before you light up
Even though the big fireworks tents pop up everywhere, it’s still smart to double-check your city or county rules. Some areas have stricter ordinances, especially about when and where you can shoot them off. If something goes wrong and it wasn’t technically legal, your insurance might not help you out.
💦 2. Water the yard (seriously)
If your grass is dry, take a minute to hose it down—especially near where fireworks might land. Do the same for mulch beds or anything flammable around your porch or driveway. It’s an easy way to help prevent a small spark from turning into something big.
🏠 3. Home insurance usually covers fire damage… but
Yes, fire is a covered peril on most homeowners policies. But if the damage is caused by reckless behavior or illegal fireworks, you could be on your own. Just something to think about before someone tries to launch a bottle rocket from a beer can.
👀 4. Liability coverage is your safety net
If you’ve got people coming over and someone gets hurt—burns, slips, broken bones from backyard acrobatics—you’ll want to make sure your liability coverage is solid. It’s usually not expensive to increase your limits, and it can make a big difference if something unexpected happens.
🐶 5. Keep your pets inside – they hate this holiday
Fireworks and pets don’t mix. Even the chillest dogs freak with all the noise. Keep them in a quiet space, and let the humans enjoy the chaos.
👉 Bottom line: A little planning now can save you a major headache later. Fire up the grill, enjoy the show, and make sure nothing goes up in smoke.
If you’re not sure what your homeowners or liability coverage includes—or you just want to double-check before the party—reach out and we’ll walk through it with you.
